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21. COBRA Coverage

    Created On: 04/17/2018 in COBRA
    COBRA allows the temporary continuation of group health insurance after losing coverage through an employer.

22. Appealing a Claim Denial

    Created On: 04/17/2018 in Claims & Eligibility
    Insurance carriers have to tell you why they’ve denied your claim, and they have to let you know how you can dispute their decisions.

23. Precertification for Medical Services

    Created On: 04/17/2018 in Claims & Eligibility
    A precertification means an insurance carrier has deemed a treatment as "medically appropriate." It is not a guarantee that it will be covered.

24. Emergency vs Urgent Care

    Created On: 04/12/2018 in Tips
    It's good to familiarize yourself with your options—before you need them.

25. Prior Authorization for Prescription Drugs

    Created On: 04/09/2018 in Claims & Eligibility
    Health plans may require “prior authorization” before covering some prescriptions. It's a doctor-insurance matter, not your pharmacy.

26. How does a deductible work?

    Created On: 04/09/2018 in FAQs
    A deductible is a fixed amount of money you must pay before your insurance kicks in. And an out-of-pocket (OOP) limit represents your "worst case" financial exposure in a given plan year.

27. Nontraditional Benefits

    Created On: 04/06/2018 in Voluntary Benefits
    Nontraditional benefits are types of bonus compensation offered outside of standard benefit packages.

28. Evidence of Insurability (EOI)

    Created On: 04/05/2018 in Life & Disability
    In simple terms, it's proof of good health. An EOI application requires review and approval by the carrier before certain life and/or disability insurance policies become effective.

29. What are voluntary benefits?

    Created On: 03/22/2018 in Voluntary Benefits
    Employees may choose to take advantage of additional benefits offered through their employers at a lower rate than they could get on their own.

30. What is a Qualifying Life Event?

    Created On: 03/03/2018 in FAQs
    A change in your situation can make you eligible for a 30-day special enrollment period.

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